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Free investor tool

Know if a rental pays for itself before you write the offer.

Get your own DSCR Rental Cash Flow Calculator. See the debt service coverage ratio a DSCR lender actually underwrites to, your real monthly cash flow after every expense, and how much rent or loan a deal can carry. Save every property you’re considering and come back anytime to update the numbers.

  • 1
    See the lender’s numberDSCR = rent ÷ PITIA, color-coded against the 1.00 to 1.25 minimum most DSCR programs require.
  • 2
    Save unlimited propertiesRun a deal today, then come back in two weeks when the rent comp or rate changes. Everything is saved to your account.
  • 3
    Stress-test every dealRent drops 10%. Rate rises 1%. Taxes and insurance up 20%. See which deals still cash flow.
  • 4
    Find your ceilingMax loan at your target DSCR, break-even rent, cash-on-cash return, and cap rate, instantly.

No credit pull. No obligation. Built for investors by , at CrossCountry Mortgage, NMLS .

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Enter your name and email. Your calculator opens instantly, and your saved properties will be waiting whenever you come back.

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By clicking the button above you agree to our Privacy Policy and Terms and Conditions. Your information is used to create your calculator account and so ’s team can follow up about your investment financing. This calculator is an estimate for planning only and is not a loan approval or rate quote.

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How it works

1

Enter a property

Price, down payment, rate, rent, taxes, insurance, HOA, and the operating percentages you expect.

2

See DSCR and cash flow instantly

Every number updates as you type: PITIA, net operating income, monthly and annual cash flow, returns, and a stress test.

3

Save it and come back

Each property is saved to your account. Edit it today, revisit it in two weeks, compare it with the next one.

What you’ll see

The headline is the number a DSCR lender cares about: rent divided by the full housing payment (principal, interest, taxes, insurance, HOA). Above 1.25 is comfortable; below 1.00 means the rent doesn’t cover the payment. Under it you get the full cash flow picture, cash needed to close, and the maximum loan your rent can support.

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Example: 123 Main St
1.31
Meets a 1.25 minimum
0.501.001.252.00

DSCR = rent $2,200 ÷ PITIA $1,679

DSCR rental cash flow calculator

Enter the numbers for a rental you’re considering. You’ll see the debt service coverage ratio a DSCR lender looks at, plus the monthly cash flow and returns after all expenses. Your work saves automatically.

Delete this property? Saved
Property and loan
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Upfront costs
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Monthly income
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My rental property
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DSCR = rent ÷ PITIA

Monthly payment (PITIA)

Principal and interest
Taxes
Insurance
HOA
Total PITIA

Cash flow

Gross income
Operating expenses
Net operating income
Principal and interest
Monthly cash flow
Annual cash flow

Returns and targets

Cash needed to close
Cash-on-cash return
Cap rate
Loan amount
Rent for 1.25 DSCR
Break-even rent
Max loan at 1.25 DSCR

Stress test

If…DSCRCash flow

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CrossCountry Mortgage, LLC


Personal NMLS
Branch NMLS
Company NMLS 3029
CrossCountry Mortgage

This calculator gives an estimate for planning only. It isn’t a loan approval, rate quote, appraisal, or tax advice. Lenders calculate DSCR with their own rent figures (usually from the appraisal’s rent schedule or a lease) and their own minimums, and many also require cash reserves. Rates, terms, and eligibility vary. Talk with your loan officer for figures specific to your scenario.

DSCR –
Cash flow –
See details

CrossCountry Mortgage, LLC 2160 Superior Avenue, Cleveland, OH 44114

NMLS3029 | RM.803095.000

, , NMLS | Branch: , , Branch NMLS

Copyright © 2026 CrossCountry Mortgage, LLC. All rights reserved

CrossCountry Mortgage

CrossCountry Mortgage, LLC. is an Equal Housing Opportunity Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. This is not a commitment to lend. All loans subject to underwriting approval.

Privacy Statement Limit The Sharing of Your Personal Information HERE (Affiliates and Third Parties) Do Not Sell or Share My Personal Information (CA, CT, MN, MT, OR) Licensing and Disclosures Terms and Conditions NMLSConsumerAccess.org *Rate Information
Equal Housing Opportunity Mortgage Bankers Association Member Federal Housing Administration - Approved Lending Institution Inc. 5000 Weatherhead 100 - Northeast Ohio Top 100 Fastest Growing Company Better Business Bureau NorthCoast 99 Winner

We take your privacy seriously. By clicking the button above, you are providing your express written consent for our company to call you at the number you have provided including through automated means such as auto dialing, text SMS/MMS (charges may apply), and pre-recorded messaging, and/or via email, even if your telephone number is a cellular phone number or on a corporate, state, or the National Do Not Call Registry, and you agree to our Privacy Policy. Consent is not required as a condition of purchase. All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org) | NMLS 3029

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensing Information

Corporate NMLS #3029 | Branch NMLS #

Licensed in Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. CrossCountry Mortgage, LLC is a licensed mortgage lender in the Commonwealth of Massachusetts. Mississippi Licensed Mortgage Company. Licensed by the New Hampshire Banking Department. Licensed by the New Jersey Department of Banking and Insurance. Licensed Mortgage Banker New York State Banking Department. Rhode Island Licensed Lender. This office is licensed and examined by the Office of Consumer Credit Commissioner of the State of Texas. Licensed by the Virginia State Corporation Commission. This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.

All loans are subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Certificate of Eligibility required for VA loans. NMLS3029 (www.nmlsconsumeraccess.org).

*Rate Information

*Interest rates subject to change. Payment doesn’t include amounts for tax and insurance premiums. CrossCountry Mortgage, LLC is not acting for or on behalf of your current lender.

Terms & Conditions:

The amount and terms of any credit offer we extend to you will be subject to underwriting approval and guidelines including your credit history, your capacity to make payments, and the available equity in the property. You may not qualify if you do not meet the criteria required for this offer, if you do not meet additional applicable criteria or creditworthiness, and/or if you cannot furnish any required collateral. To qualify for this offer, you may be required to provide up to two years of income verification. *Credit severity may affect the down payment. The lender may also choose to cancel this offer if it is unable to verify information you have provided. All bankruptcies must be discharged. This offer is nontransferable is available only to single family residences or owner-occupied condominiums, and is not valid on mobile homes or cooperatives. The lender must be in a valid first lien position and property hazard insurance is required.

Calculator disclaimer

The DSCR Rental Cash Flow Calculator provides estimates for planning purposes only based on the figures you enter. It is not a loan approval, commitment to lend, rate quote, appraisal, or tax, legal, or investment advice. Lenders calculate DSCR using their own rent figures (typically the appraisal’s rent schedule or an executed lease), their own payment assumptions, and their own program minimums; many also require cash reserves. Actual rates, terms, fees, and eligibility vary and are subject to change without notice. Investment property loans are not available in every state or for every property type. Contact your loan officer for figures specific to your scenario.